Jeevan Shiromani
Jeevan Shiromani
Product Summary :
Jeevan Shiromani plan is a non-linked, with-profits, limited premium payment money back life insurance plan especially designed for targeted segment of High Net-worth Individuals.
Premium Payment Mode:
Yearly, Halfly, Quarterly, Monthly(ECS)
Term/PPT :
14/10, 16/12, 18/14 and 20/16 Years
Minimum Entry Age :
18 Year Completed
Maximum Entry Age :
55 Years (Nearer Birthday) for Term 14
51 Years (Nearer Birthday) for Term 16
48 Years (Nearer Birthday) for Term 18
45 Years (Nearer Birthday) for Term 20
Maximum Maturity Age :
69 Years (Nearer Birthday) for term 14
67 Years (Nearer Birthday) for term 16
66 Years (Nearer Birthday) for term 18
65 Years (Nearer Birthday) for term
Minimum Sum Assured :
Rs 1 crore (Multiple of 5 lakhs thereafter)
Maximum Sum Assured :
NO LIMIT
Guaranteed Addition :
Rs 50/- per 1000 SA for 1st 5 years
Rs 55/- per 1000 SA for remaining PPT
Policy Benefits :
On Death :
Death during 5 yrs : SA on Death + GA Death after 5 yrs : SA on Death + GA + LA SA on Death : 125% of BSA or 10 times AP or 105% of Premiums Paid
On Survival :
For 14 yrs policy : 30% of BSA in 10th and 12th year
For 16 yrs policy : 35% in 12th and 14th year
For 18 yrs policy : 40% in 14th and 16th year
For 20 yrs policy : 45% in 16th and 18th year
Maturity time : Remaining SA with GA + LA
Inbuilt Critical Illness Benefit:
10% of BSA on diagnosis of 15 Critical diseases + Premium is deferred for 2 Years w/o interest.
Surrendered Value :
The Policy can be surrendered at any time during the policy term provided atleast 3 full years premiums have been paid.
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